This is a great checking account for almost everyone.  This low-cost account can be complimented with a VISA debit card, which also works as a cash card with free cash withdrawals from Harvard State Bank's 24-hour ATM. $100.00 minimum to open $400.00 minimum balance or $800.00 average balance (analyzed monthly) - no service charge -$3.00 monthly service charge if balance falls below minimum/average No service charge if you are 60 or older $1.00 usage fee for each foreign ATM withdrawal Debit cards - $1.00/month

This is a very inexpensive "starter" account for someone who will carry a very small balance and not write many checks. Write three checks a month on a $75.00 balance? This account would only be charged 45 cents for that month. A very useful and low-cost account for certain situations! $100.00 minimum balance to open No monthly minimum balance 15 cents charge for each electronic or paper withdrawal $1.00 usage fee for each foreign ATM withdrawal Debit cards - $1.00/month

This account is similar to a regular checking account except it earns a competitive rate* on the balance as well! This is designed for accounts that will always carry $1,000.00 or more. NOW accounts pay interest at a tiered rate which is subject to weekly review and change. $1,000.00 minimum balance or average monthly balance of $1,500.00 - no service charge $4.00 monthly service charge if balance falls below minimum $1.00 usage fee for each foreign ATM withdrawal Debit cards - $1.00/month Tiered Interest Schedule: Below $500.00 - No Interest Paid $500.00 - $2,499.00 - Variable Rate $2,500.00 and above - Variable Rate * see "Rates" section for present rate

This is your old-fashioned "saving for a rainy day" account that is designed for customers not needing check-writing ability on this account. It is a good account to have in addition to a checking account, where funds can be held until they need to be spent or transferred to a more permanent savings account (Time Certificate of Deposit). This account can also be utilized with a debit card. $100.00 minimum balance to open $2.00 quarterly service charge if minimum balance falls below $100.00. Persons 18 years and younger are exempt from this charge. Nine free withdrawals per quarter. $1.00 charge for each additional withdrawal Interest paid quarterly, variable rate subject to weekly review and change (see "Rates" section for current rate) $1.00 usage fee for each foreign ATM withdrawal Debit cards - $1.00/month

This account is similar to a Passbook Savings Account but has the additional flexibility of limited check-writing ability. It is designed for accounts that will always carry at least $1,500.00, but not be used often as a checking account would. It will generally earn a higher rate than Passbook Savings.* $2,500.00 minimum balance or $1,500.00 average balance - no service charge $5.00 service charge if balance falls below minimum. You will earn the rate paid on NOW accounts. (see "Rates" section) Six free debits per month. $1.00 charge for each additional debit. Tiered Interest Schedule: Below $500.00 - No Interest Paid $500.00 - $2,499.00 - Variable Rate $2,500.00 and above - Variable Rate *see "Rates" section for present rate

Do you have at least $500.00 to invest and are willing to "lock" it up for three months or more? This situation would call for investing in one of our very competive Time Certificates of Deposit! The rates are generally much higher than any other deposit account offered*, and still can be withdrawn in an emergency, with a penalty for early withdrawal.** Initial rates are established at bank's discretion but your rate remains the same for the maturity term of your Certificate. Interest payment options include compounding, transfer to checking or savings, or paid by check Interest payments are made quarterly, semi-annually, or annually A ten-day grace period is allowed for redemption or re-writing of Certificates after maturity *see "Rates" section for present rates and term choices **Penalties for early withdrawals: (a) Forfeiture of three months interest for maturities of one year or less (b) Forfeiture of six months interest for maturities over one year

These accounts are government-authorized savings plans designed to help you build funds specifically for your retirement. They can offer the depositor some very significant tax benefits! Regular and Roth IRAs are available. Can be used for tax-free roll-over of retirement funds from your workplace Very competitive Interest Rates available* *see "Rates" section for present rates